G2TT
来源类型Working Paper
规范类型报告
DOI10.3386/w28590
来源IDWorking Paper 28590
The Value of Employer-Sponsored Health Insurance
Casey B. Mulligan
发表日期2021-03-22
出版年2021
语种英语
摘要Based on published estimates of its price elasticity of demand and of tax wedges, as well as the method of revealed preference, I estimate that the annual social value of ESI is about $1.5 trillion beyond what policyholders, their employers, and taxpayers pay for it. The private component of that value, which in some respects is the other side of “job lock,” derives in part from group plans, with the group determined by many characteristics other than the demand for healthcare. With voluntary groups formed this way, adverse risk selection is reduced, the groups can be effective at obtaining substantial discounts and rebates for their members, and division of labor employed in shopping for health providers. ESI is also a mechanism for employers to act on their incentives for a healthy and productive workforce. External effects include tax externalities (in both directions), encouraging work, and easing government expenditure obligations by helping to prevent people from going without health insurance.
主题Microeconomics ; Market Structure and Distribution ; Welfare and Collective Choice ; Public Economics ; Taxation ; Health, Education, and Welfare ; Health ; Labor Economics ; Labor Compensation
URLhttps://www.nber.org/papers/w28590
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/586264
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Casey B. Mulligan. The Value of Employer-Sponsored Health Insurance. 2021.
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